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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,963 | $110,410-53.8% | $102,437-50.2% | $145,897-65.1% |
| Participation rate | 25.0% | 77.9%-52.9pp | 74.5%-49.5pp | 80.3%-55.3pp |
| Annual return | 15.15% | 24.85%-9.7pp | 24.95%-9.8pp | 552.29%-537.1pp |
| Employer contribution / active EE | $603 | $4,217-85.7% | $3,871-84.4% | $4,663-87.1% |
| Participant deferral / active EE | $2,808 | $5,622-50.1% | $5,060-44.5% | $6,689-58.0% |
| Admin fee / account holder | $1,102 | $9,745-88.7% | $8,388-86.9% | $13,390-91.8% |